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AVC Investments |
| I have too many other commitments |
| Most of us feel the financial pressure of mortgages, household bills, children, insurance etc. However many of these expenses will stay with us when we retire, and those that do not may well be replaced by others, at a time when your income decreases dramatically. No one can expect you to save what you do not have, but your future financial security needs to be a priority. |
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However if you are absolutely certain that your income after retirement will cover all contingencies and give you the lifestyle that you want then there may be no need for you to take out an AVC plan. On the other hand even if you are already very comfortable you may wish to benefit from the tax/RSI breaks available.